PNC Virtual Wallet Student Features and Fees

Effective August 7, 2022

All Markets. All prices are subject to change. Products, services and prices may vary by market.

Account Opening and Usage

Virtual Wallet Student is comprised of 3 accounts working together:
● Your Spend account is a non-interest-bearing checking account
● Your Reserve account is an interest-bearing checking account used for short term savings goals
● Your Growth account is a savings account which earns interest and can be used for longer term savings goals
Spend Reserve Growth
Minimum Deposit to Open........................................................................$25.00 $0 $0
The minimum deposit to open for the Spend account is $0 if the account is opened online.
Monthly Service Charge........................................................................... No Charge No Charge No Charge

No Monthly Service Charge for the first six (6) years from the date of account opening. You may be asked to provide proof
of enrollment in a qualifying educational institution. At the end of the six year period, this account will convert to a Virtual
Wallet and will be subject to applicable service charges/fees. If you transfer this account to a different product or account
type during the first six years, you will forfeit the benefits of the Virtual Wallet Student account and will not be able to
transfer back to the Virtual Wallet Student account.
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Balance earns interest ............................................................................ No Yes Yes
Minimum daily balance to obtain the Annual Percentage Yield (APY) ..... N/A $1 + $1–$2,499.99
$2,500+
For current interest rate and Annual Percentage Yield information, call 1-888-PNC-BANK (1-888-762-2265).

PNC reserves the right to refuse or return any deposit amount to you that causes the combined balance of all of your Virtual Wallet
Growth accounts with us to exceed $5,000,000 (including any jointly owned, or in the case of an account owned by a living trust, jointly
managed accounts).
Balances on your Growth account will receive a standard variable savings rate and APY. Beginning with the calendar month following the date you
open your Virtual Wallet, you can qualify for a higher variable relationship rate in any month in which you meet any one of the following requirements:
● Make a combination of 5 or more debit card and/or credit card transactions during the previous calendar month.
– Qualifying debit card transactions are either PIN or non-PIN point-of-sale transactions made from your Virtual Wallet Spend account.
– Qualifying credit card transactions are signature based point-of-sale transactions made from a PNC consumer credit card you have chosen
to link to your Virtual Wallet online view.
– Cash advances and ATM transactions are not considered qualifying transactions.
– Transactions are considered to be made when the transaction posts to the Spend or credit card account, which may be later than the date
you initiated the transaction.
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● Have $500 in qualifying direct deposits to your Spend account during the previous calendar month.
When either the standard or relationship rate is applied, your Growth account will earn interest on the entire account balance each day at the interest
rate and APY in effect for the appropriate balance tier.
We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet Student, the
accounts will not be linked and you will not receive a Relationship Rate or other relationship benefits on your unlinked PNC accounts. The
requirement that you direct us to link accounts in order for you to receive benefits applies to all of your PNC accounts.
You may link accounts with at least one common account owner for purposes of receiving pricing benefits (for example, waiver of a
monthly service charge if balance requirements are met). When you link accounts with other accounts, any account owner on any
linked accounts may have access to limited information about any of the linked accounts. This is true even if that account owner is not
a signer on the linked account. Also, any signer added later to one of the linked accounts will be able to see the limited information.
The limited information that may be available includes, the existence of the account and information to determine if the criteria for the
fee waiver and/or relationship rate benefits has been met, such as: the balance of the account, the number and total dollar amount of
direct deposits received per month and the number of debit and/or credit card purchases posted per month.
Debit Card and ATM Transactions
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PNC Bank Visa Debit Card Fees:
PNC Bank Visa Debit Card.......................................................................................................... Required. No charge
A Debit Card will be issued when your Virtual Wallet is opened, or you may link your Virtual Wallet to an
existing PNC Debit Card or University ID card (if available).
Affinity Visa Debit Cards ............................................................................................................. No charge
All School Affinity Cards are available at no charge.

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 PNC Heart Design Visa Debit Card ............................................................................................. $5.00 per year
The $5 annual fee for every Heart Design Visa Debit Card is donated to the American Red Cross.
The American Red Cross name is a registered trademark owned by the American National Red Cross
and is used with its permission
Card Replacement ....................................................................................................................... $7.50 each
Expedited Card Delivery.............................................................................................................. $25.00 each
PNC Bank ATM Transaction Fees:
Per withdrawal, deposit, transfer or balance inquiry. Not all ATMs accept deposits.
At PNC Bank ATMs ...................................................................................................................... No charge
At non-PNC Bank ATMs in the United States, Canada,
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Puerto Rico and the U.S. Virgin Islands ........................................................................ $3.00 each
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At non-PNC Bank ATMs in all other countries ........................................................................ $5.00 each
Number of reimbursements for non-PNC ATM Fee .................................................................. 2
The fee for the first two domestic or international non-PNC Bank ATM transactions made on your Spend,
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Reserve or Growth accounts during the statement period will be reimbursed to your Spend account at
the end of the statement period. If your account is closed before the end of the statement period, fees will
not be reimbursed. Fees in excess of two per statement period will not be reimbursed.
Other Financial Institutions’ ATM Surcharge Fees....................................................................... Reimbursed up to $5.00 at the end
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Other financial institutions’ ATM surcharge fees will be reimbursed up to $5.00 per statement period. of the statement period
Includes total combined fees from your Spend, Reserve or Growth accounts reimbursed to your Spend
account. If your account is closed before the end of the statement period, fees will not be reimbursed. Fees
in excess of $5.00 per statement period will not be reimbursed.
Debit Card Cash Advance Fee:
At PNC Bank branch.................................................................................................................... $3.00 each
At other financial institutions that accept Visa......................................................................... $5.00 each
International Purchases and Cash Advances Fee........................................................................ 3% of the transaction amount
Overdraft Services

Spend Account Overdraft Services Fees:

Overdraft Item Fee ........................................................................................................................... $36.00 per item
An Overdraft Item fee is assessed when PNC pays an item for a customer. This fee applies to overdrafts
created by check, in-person withdrawal, ATM withdrawal, or other electronic means. If the customer
brings their available balance to at least $0 before their Extra time period expires, PNC will not charge the
Overdraft Item fees that were incurred during that period.
You will receive a courtesy fee refund of any Overdraft Item or Returned Item fees associated with the first
overdraft event that occurs within 6 years of the date of account opening (Spend Account Only).
Maximum Number of Overdraft Fees ............................................................................................. 1 per day
Overdraft Balance Threshold .......................................................................................................... $5.00
If the account is overdrawn by $5.00 or less after all transactions are posted for the day, any overdraft
item fees are automatically refunded.
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Overdraft Protection Transfer Fee ................................................................................................ No charge
If you overdraw your Spend account, money will be transferred first from your Reserve account and then
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from your Growth account. You may choose to have a PNC Credit Card, PNC Line of Credit or other PNC
deposit account set up as overdraft protection for your Spend account in place of your Growth account.
Returned Item Fee............................................................................................................................ No Charge
A Returned Item (also known as Non-Sufficient Funds or NSF) fee occurs when the item is returned
unpaid.
Reserve and Growth Account Overdraft Services Fees:
Overdraft Item Fee............................................................................................................................ $36.00 per item
An Overdraft Item fee is charged when the item is paid. This fee applies to overdrafts created by check, in-
person withdrawal, ATM withdrawal, or other electronic means.
Maximum Number of Overdraft Fees ............................................................................................. 4 per day
Overdraft Balance Threshold.......................................................................................................... $5.00
If the account is overdrawn by $5.00 or less after all transactions are posted for the day, any overdraft
item fees are automatically refunded.

Returned Item Fee........................................................................................................................... No charge

A Returned Item (also known as Non-Sufficient Funds or NSF) fee is charged when the item is returned
unpaid.

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 SM
Online Banking and PNC Voice Banking
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Automated Transfers ..................................................................................................................... No charge
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Online Bill Pay ................................................................................................................................ No charge
Statement Options
Online Banking Statement .............................................................................................................. No charge
Requires Online Banking enrollment by accepting the online terms and conditions. Once enrolled in Online
Banking, you will receive online statements even if you elect to receive paper statements.
Paper Statement ............................................................................................................................... No charge
Canceled checks and check images are not returned with the statement.
Paper Statement with Check Images ............................................................................................. $3.00 per month
Available on the Spend account only. Fee assessed for return of check images (front side only) with the paper statement. Fee is charged every
month, even if there are no check images for that month.
PNC offers reformatted statements to customers with visual impairments at no charge. If you need such an accommodation, please contact PNC at
1-888-PNC-BANK (1-888-762-2265).
ATM Statements (available at select ATMs)
Mini Statement at PNC Bank ATMs ............................................................................................. $1.50 each
Statements at non-PNC Bank ATMs........................................................................................... $2.50 each

Wire and Money Transfers

Domestic Wires
Incoming ....................................................................................................................................... One incoming wire transfer
(domestic or international) per
statement period will be free of
charge. (Spend Account Only)
Additional wires are $15.00 each
Agent-Assisted Outgoing ............................................................................................................ $30.00 each
Self-Service Outgoing .................................................................................................................. $25.00 each
International Wires
Incoming ....................................................................................................................................... One incoming wire transfer
(domestic or international) per
statement period will be free of
charge. (Spend Account Only)
Additional wires are $15.00 each
Agent-Assisted Outgoing ............................................................................................................ $45.00 each
Self-Service Outgoing .................................................................................................................. $40.00 each
International Money Transfer .......................................................................................................... $5.00 each
International Money Transfer is available on certain transactions based on the destination country,
enrolled beneficiary bank, and transaction amount. If International Money Transfer is not available,
International Wire fees apply.

Other Account Charges and Services

Checks and Deposit Tickets............................................................................................................ Pricing varies
Collection items ............................................................................................................................... $25.00 each
Fee for items that cannot be credited until payment is received from the payor’s bank or the government,
including bond transactions (except for Series E, H, EE, HH or I), drafts, notes or check items. Incidental
costs for postage, insurance, delivery charges, correspondent bank charges and exceptional expenses, if
applicable, and any other costs imposed on PNC are added.
Counter Checks ............................................................................................................................... $1.50 each
Blank checks available at any PNC branch
Legal Process Charge ..................................................................................................................... Up to $100.00 each
Fee if funds from the account are frozen or seized under orders. PNC's actual attorney fees and court costs,
when applicable, are added.
Non-Client Check Cashing Fee
This fee will be charged when cashing a check for a payee who does not have a PNC Bank checking,
savings, money market, certificate of deposit account (CD) or retirement money market or CD. Customers
with a PNC consumer checking, savings, money market, certificate of deposit (CD) or retirement money
market or CD account are not charged this fee.
For check amounts of $25 or less................................................................................................... No charge
For check amounts greater than $25.............................................................................................. 2% of the check amount
($2.00 minimum)

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 PNC Express Funds.......................................................................................................................... 2% of the check amount over $100
PNC Express Funds provides an option for immediate availability on approved checks deposited through $2.00 fee for each check amount
Branch Banking, a PNC ATM, or Mobile Banking, subject to cut off times. (For more information about cut from $25 to $100
off times, please review our Consumer Funds Availability Policy.) PNC Express Funds is not eligible for
check amounts less than $25.
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Transaction Limit Fee .................................................................................................................... $3.00 each
Fee per transaction in excess of the permissible number of transactions from your Growth, savings or
money market account within the monthly statement period.
Return of Deposited or Cashed Item ............................................................................................. $12.00 each
Fee if a deposited or cashed item is returned unpaid
Redeposit of Returned Deposited or Cashed Item ....................................................................... No charge
Stop Payment ................................................................................................................................... $33.00 each
Fee for a stop payment on a check, preauthorized debit, electronic transfer and recurring preauthorized payment through Visa Debit Card

Images and Photocopy Requests

Self-service Requests through Online Banking ......................................................................... No charge
View, print and save digital images of checks, substitute checks, deposit tickets and Deposit Ticket Detail
Lists (a list of all items within a deposit) available in your Online Account Activity and for checks available
within the Activity Detail with Online Statements
Self-service Requests through Online Banking for Items
within a Deposit Ticket Detail List ............................................................................................. No charge
Statement Requests
Self-service Requests of Online Statements through Online Banking .................................. No charge
Staff-Assisted Statement Requests ........................................................................................... $5.00 per statement
Includes online requests to mail or fax statement copies

Additional Services Available to Virtual Wallet Customers

Cash Alternatives
Cashier’s Checks .......................................................................................................................... $10.00 each

International Services*
Foreign Currency Exchange Rate ............................................................................................... Dependent upon current PNC
applicable exchange rate
Foreign Check Deposit Exchange Rate ...................................................................................... Dependent upon current PNC check
buy rate; returns will be processed
using current PNC check sell rate
Collections ($100 USD minimum collection amount) ..................................................................... $25.00 per item
* Incidental costs for postage, insurance, delivery charges, correspondent bank charges and exceptional
expenses, if applicable, and any other costs imposed on PNC are added

Safe Deposit Box

Annual Rental Fee ........................................................................................................................ Pricing varies by size and location
Automatic Deduction of Rental Fee ............................................................................................ $5.00 discount off annual rental fee
Applied when annual rental fee is automatically deducted from your checking or savings account.
Discount is applied in addition to any other discount.
Late Payment Fee .......................................................................................................................... $10.00
Fee if payment is 30 days past due
Servicing Fees
Inventory by bank personnel ................................................................................................... $40.00 per hour
Minimum 1 hour charge
Replacement Keys (per set) ...................................................................................................... $15.00 plus tax
Lock Replacement ..................................................................................................................... $15.00
Cost of replacement keys are added

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FOOTNOTES:
1 A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or
deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.
2 See the PNC Virtual Wallet Fine Print “What You Need to Know”, “Interest Payment and Balance Computation” section for details.
3 PNC Bank charges may apply for use of another financial institution's or ATM operator's ATMs. Additionally, other financial institutions and/or ATM
operators may charge for using their ATMs.
4 In the event PNC determines that there has been fraudulent or excessive ATM usage on the account, PNC is not obligated to reimburse any related
surcharge fees, and any related reimbursements must be repaid. Surcharge fees not identified within the transaction by the originating financial
institution may not be reimbursed. Any fee reimbursements occur at the end of the statement period.
5 Some accounts may not be eligible to be linked as overdraft protection based on titling structure, product type or other constraints. Transfers from your
Reserve, Growth or other PNC deposit account are in the exact amount of the overdraft. Transfers from a line of credit or credit card are a minimum
of $50.00, rounded upward to the next whole dollar. Transfers from a credit card are subject to the cash advance limits and may be charged a cash
advance fee on the credit card. Overdraft Protection via a line of credit or credit card is subject to applicable Account Agreements and/or Disclosure
Statements.
6 Transaction fees will apply to your account if you exceed six (6) Restricted Transfers in a monthly service charge period. Restricted Transfers are
transfers from a Growth account to other accounts (including transfers to another account for overdraft protection) or to third parties by check, through
point-of sale purchase transactions or similar debit card transactions, by pre-authorized or automatic agreements, telephone, online or similar order
payable to a third person. If you make more than a total of six (6) Restricted Transfers in a monthly service charge period, you will be charged a fee
for each Restricted Transfer. See your Virtual Wallet Fine Print for more information. Other limits may apply to your account. We reserve the right to
suspend enforcement of these transaction limitations, or to modify them, at our discretion.
7 There may be fees for certain optional services available through PNC Online Banking and Bill Pay.
Visa is a registered trademark of Visa International Service Association and used under license.
PNC Voice Banking is a service mark of The PNC Financial Services Group, Inc

©2022 The PNC Financial Services Group, Inc. All rights reserved.
PNC Bank, National Association. Member FDIC

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